Overdraft Solutions

What is an overdraft?

An overdraft occurs when your account does not have enough money to cover a transaction. The Bank may pay the item(s) that overdraws your account at its discretion, taking into consideration your status in our Overdraft Privilege Program. If the item is paid, the Bank may charge a fee of $36 per item.

S&T charges a $36 Overdraft Fee for each item that overdraws your account below a zero balance.
• Personal accounts – A maximum of five overdraft fees may be charged per business day.
• Business accounts – There is no cap on overdraft fees that may be charged per business day.

 View our account disclosures page for more information.

When will I be charged an Overdraft fee?

With S&T $10 Cushion^TM, if you have a deposit product with Overdraft Privilege and your account is overdrawn by $10 or less after nightly processing, you will not be charged an overdraft fee. If you have a deposit product with Overdraft Privilege and your account is overdrawn by more than $10 after nightly processing, you will be charged an overdraft fee of $36 for each item that overdraws your account below a zero balance.

For more information about S&T $10 Cushion, view our Consumer Overdraft Protection Brochure and our Business Overdraft Protection Brochure.